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Lloyds getting threatening...help me keep my nerve!

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Lloyds15Jan2013redacted_zpsbdc2b44d.jpg

 

After corresponding with several different people and departments at Lloyds, they have sent this threat letter. I am not exactly sure what they mean by their "offer of help", I will ask them to clarify in a following letter.

 

The alleged debt is overdraft charges. When they introduced the £5/month fee for overdrafts I objected and they refunded some of the fees, but I haven't been using the account regularly and these fees meant that I went a little over the limit and got whacked with more, now upwards of £300 in a little over 3 months.. I disputed, they kept piling on the charges. I am self-employed, income is poor, but I do not receive any benefits. I am a mortgage holder with children but am not the registered keeper of any vehicle.

 

Is it right to reply to this letter? What questions might I ask? What should I expect next?

 

I am committed to resisting and I want to stay strong. I am familiar with the DCA responses, I know about SARs and BCOBS. Please, all of you, just keep me focused and confident! I have dealt with a DCA a number of years ago but that was literally regarding around £30. So this is my first big battle and I am feeling a bit of trepidation, as I am sure those of you who have more experience might well remember.

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BCOBS

 

by far the best way.

 

LLoyds have already cough on this

 

dx


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I expect they will pass it on to there in house solicitors SCM solicitors

I got a letter from there solicitors asking for more money threatening me with court

 

I wrote back as a complaint and told them it was all charges and interest was more than i was paying each month i have no option but to go bankrupt

 

I got a reply with a £50 cheque and charges refunded

then they carried on with there foolish ways complained again another £50 cheque account is closed now otherwise would complain to see if i could get any more out of them

 

put everything in writing don't bother with them on the phone


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks ihb, I told them a while ago to never contact me by phone. So far, they've complied. I have had a template letter from SCM , but told them to feck off.

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I won't reproduce my letter to them here. So far, in bullet points, it says:

 

1/ I will pay any debt I lawfully owe

2/ Please clarify the so-called "offer of help"

3/ Lloyds has failed to provide any agreement I might have signed

4/ I have previously raised a dispute against charges yet charges and interest continued to be piled on despite my demand that it be frozen.

5/ I have written referencing The Office of Fair Trading Code of Guidance and BCOBS 5.1.1

6/ And I have (yet again) told them thay Lloyds actually owes me money in charges.

 

Any pointers?

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